CHBAY (The Chiba Bank) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


CHBAY The Chiba Bank Ltd CHBAY
52 GF Score
Price $78.67
GF Value $52.46
Valuation Significantly Overvalued
! 6 Warning Signs
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What is The Chiba Bank Scaled Net Operating Assets?

The Chiba Bank CHBAY 52 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates CHBAY with a GF Score™ of 52/100 and a GF Value™ of $52.46 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

The Chiba Bank's operating assets for the quarter that ended in Mar. 2026 was $116,783 Mil. The Chiba Bank's operating liabilities for the quarter that ended in Mar. 2026 was $112,040 Mil. The Chiba Bank's Total Assets for the quarter that ended in Dec. 2025 was $133,080 Mil. Therefore, The Chiba Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

CHBAY
52GF Score
The Chiba Bank Ltd CHBAY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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The Chiba Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

The Chiba Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(116782.681-112040.248)/145120.356
=0.03

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=133674.188 - 16891.507
=116782.681

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=125750.829 - 13710.581 - 0
=112040.248

The Chiba Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(116782.681-112040.248)/133080.403
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=133674.188 - 16891.507
=116782.681

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=125750.829 - 13710.581 - 0
=112040.248

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.04 mean?
The Chiba Bank (CHBAY) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on The Chiba Bank and its competitors.
Is The Chiba Bank's Scaled Net Operating Assets too high?
The Chiba Bank's current Scaled Net Operating Assets is 0.04. Overall, The Chiba Bank has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Chiba Bank's Scaled Net Operating Assets compare to competitors?
The Chiba Bank's Scaled Net Operating Assets of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on The Chiba Bank and its competitors. The Chiba Bank's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Chiba Bank stock overvalued right now?
Based on GuruFocus' analysis, The Chiba Bank (CHBAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $52.46, compared to a current price of $78.67 — trading 50% above its estimated fair value. The current Scaled Net Operating Assets is 0.04. The Chiba Bank's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For The Chiba Bank (CHBAY), the current Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The Chiba Bank (CHBAY) Overvalued in 2026?

Based on GuruFocus' analysis, The Chiba Bank stock appears to be overvalued. The current stock price of $78.67 is trading 50% above its estimated GF Value™ of $52.46. GuruFocus considers The Chiba Bank to be Significantly Overvalued.

Key valuation signals for CHBAY:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: $52.46 vs. price of $78.67 (50% above fair value)
  • GF Score™: 52/100 with 6 warning signs

No single metric tells the full story. See the CHBAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The Chiba Bank Business Description

Other Exchanges 8331:Japan
Address 1-2 Chiba-Minato, Chuo-ku, Chiba-shi, Chiba, JPN, 260-8720
The Chiba Bank Ltd provides banking products and services in Japan. Its only operating segment includes banking. The bank provides a wide range of services, including banking services like deposits, loans, and foreign exchange transactions; financial services such as leasing, securities brokerage, and credit cards; software development services; and business management and staffing services.
52GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.67
Price
$52.46
GF Value